| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COORDINATED BENEFITS LLC3 Filed as: COORDINATED BENEFITS CORP | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $67K | $67K | 5.26% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FL | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.64% |
| COORDINATED BENEFITS COMPANY LLC3 Filed as: COORDINATED BENEFITS GROUP | 9432 BAYMEADOWS ROAD SUITE 260 JACKSONVILLE, FL 32256 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.36% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FL | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.00% |
| RISK STRATEGIES COMPANY3 Filed as: FOUNDERS RISK PARTNERS OF FL | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.00% |
| ACENTRIA INSURANCE3 Filed as: ACENTRIA | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | ADVANTICA INSURANCE COMPANY | $4K | $0 | $4K | 13.89% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FL | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $232 | $93 | $325 | 13.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $109K |
| Vision | ADVANTICA INSURANCE COMPANY | 395 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 272 | $64K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $30K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 272 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.